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 In addition to financial planning and investment management, Bright Asset Management provides retirement plan consulting services for owners of small and mid size companies and trustees to company retirement plans. We offer comprehensive investment consulting services and customized guidance at every stage of the process – from setup of a new retirement plan, monitoring of an existing plan, or transferring to a new retirement plan provider. We will work with you to develop a plan that meets all of your needs and objectives and/or review your current plan to be sure you are in compliance with all ERISA guidelines. We are dedicated to meeting your specific needs and will work with you to establish the best retirement plan possible for you and your employees. Setting objectives Setting clear objectives for your retirement plan is the key component to developing a successful program and is the first step in meeting ERISA guidelines. We will help you develop an investment policy statement which details in writing a disciplined process for selecting and monitoring investment options. We can review your current investment policy statement and make recommendations to consider in developing a new policy. Investment selection process Depending on the type of retirement plan and the provider of the plan, we will recommend the best investment options available according to the guidelines in your investment policy statement. We will assist you in addressing structural issues such as: (a) How many investment options are appropriate within a plan; (b) How many passive (index funds) versus active fund options should be in the plan; (c) Do you have a broad range of investment options in different asset classes? After the structural issues are addressed, we will extensively review the various options available in your retirement plan. The primary aim of our investment selection and research program is to assess, for each investment option available, its prospects for medium to long-term out performance relative to its risk. Monitor results We will implement a solid performance and review monitoring program. We will provide monitoring and analysis of your retirement plan according to the guidelines and objectives established in your investment policy statement. The review of the investment options includes both quantitative and qualitative analysis, along with relative performance and evaluation of fund management. We will also monitor your retirement plan according to ERISA guidelines and any new changes to ERISA or retirement plan law.
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